149 Bernal Ave, Moss Beach, CA 94038 Property Records

San Mateo County property record for 149 Bernal Ave, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,499 sqft · built 2019
Lot Size	0.177 acres (7,722 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Mar 2017)
Tax Bill	$27,503 (2025)
Deeds & Mortgages	Feb 2020 Line of Credit Oct 2018 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`037-287-030`

Property Details

APN / Parcel Number

Primary APN	`037-287-030`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,499 sqft Living Area
1st Floor Area	1,499 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	7,722 sqft (0.177 acres)
Lot Dimensions	100 ft deep x 75 ft wide
View / Lot	Corner
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	149 BERNAL AVE
City	MOSS BEACH
State	CA
Zip	94038-9682
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 17 18 19 BLOCK 16 RIVIERA OCEAN VILLA
Legal Subdivision	RIVIERA OCEAN VILLA
Legal Block	16
Legal Lot Number	17
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2014
Census Tract	613600

Owner

149 Bernal Ave is owned by an individual who bought it in March 2017.

Source: San Mateo County records, as of July 15, 2026

Owner of Record	Individual Name on File
Mailing Address	2004 ARBOR AVE, BELMONT, CA 94002-1715
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2020	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Oct 9, 2018	Trustee's Deed, Construction Loan · Construction Mortgage UMPQUA BK
Mar 22, 2017	Grant Deed, Transfer LAWYERS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2017 · Amount on File
Deed Sale	Mar 22, 2017 · Amount on File
Prior Sale	May 8, 2009 · Amount on File
Deed Document Number	201724717
Prior Transfer Date	Sep 19, 2000
Prior Transfer Doc	0000118761
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	149 BERNAL AVE, MOSS BEACH, CA 94038-9682
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011175
Date	Feb 10, 2020
Instrument	2020-011175

Lender

Name	UMPQUA BANK
Type	Bank
Address	LYNNWOOD, WA 98036

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SAN MATEO CA
Recording Date	Oct 9, 2018
Property Address	149 BERNAL AVE, MOSS BEACH, CA 94038-9682
Instrument Date	Oct 4, 2018
Instrument	78361
Transaction Type	Construction Loan
Record Updated	Nov 1, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2004 ARBOR AVE BELMONT CA 940021715, BELMONT, CA 94002-1715

Mortgage

Document Number	0000078361
Date	Oct 9, 2018
Instrument	78361

Lender

Name	UMPQUA BK
Type	Bank
Address	6021 244TH ST SW, MOUNTLAKE TERRACE, WA 98043-5400

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Mar 22, 2017
Property Address	149 BERNAL AVE, MOSS BEACH, CA 94038-9682
Document Number	0000024717
Instrument Date	Mar 17, 2017
Instrument	24717
Transaction Type	Transfer
Record Updated	Apr 11, 2017
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Tax	$440.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2004 ARBOR AVE BELMONT CA 940021715, BELMONT, CA 94002-1715

Tax Assessment & Valuation

The 2025 property tax bill for 149 Bernal Ave was $27,503.

Source: San Mateo County assessment roll, as of July 15, 2026

Property Jurisdictions

Type	Name
State	California
County	San Mateo County
Unified School District	Cabrillo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,982,447 (+2%) Land $473,516 Building $1,508,931
2025	$27,503.00	$1,943,577 Land $464,232 Building $1,479,345
2023	$24,757.00 (+35.83%)	$1,846,107 Land $446,206 Building $1,399,901
2022	$18,227.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 149 Bernal Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (1998–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2023 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 149 Bernal Ave is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MONTARA WATER AND SANITARY DISTRICT serves 6,088 people · EPA ID CA4110010
Water Source	Surface water
Last State Inspection	May 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Cruzio.

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